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Forum: Active Investing, Market Strategies & Alternative Assets 07-27-2021, 05:32 PM
Replies: 74
Views: 8,893
Posted By Bdroc
3.5% iBonds 1.7% 3 year fixed annuity if you...

3.5% iBonds

1.7% 3 year fixed annuity if you don't need the cash right away

0..5% Ally Savings account
Forum: FIRE and Money 05-25-2021, 04:43 PM
Replies: 80
Views: 8,927
Posted By Bdroc
You have almost $9m excluding real estate. ...

You have almost $9m excluding real estate. Assume you live to 85 and your investment returns are no more than inflation. That means you can spend more than $250k per year. That doesn't include SS...
Forum: FIRE and Money 04-20-2021, 05:57 PM
Replies: 138
Views: 17,497
Posted By Bdroc
The penalty for early redemption of iBonds is a...

The penalty for early redemption of iBonds is a loss of the last 3 months of interest. Let's say you buy an iBond yielding 1.6% and redeem after only one year. You will still have earned 1.2%.
...
Forum: Other topics 02-02-2021, 08:46 PM
Replies: 71
Views: 4,530
Posted By Bdroc
MLPs issue a K-1 to reflect your share of revenue...

MLPs issue a K-1 to reflect your share of revenue and expense. It's a little extra work but not a big deal. I suggest taking your 2020 return to someone else early next year to get a competitive...
Forum: FIRE and Money 07-18-2020, 09:57 AM
Replies: 91
Views: 5,215
Posted By Bdroc
IIRC $75k can be taxed at 0% for married couples,...

IIRC $75k can be taxed at 0% for married couples, but the amount is reduced by other income. In other words, that $75k is reduced by income from wages, interest, and IRA distributions.

Things...
Forum: Active Investing, Market Strategies & Alternative Assets 05-22-2020, 04:59 PM
Replies: 38
Views: 4,352
Posted By Bdroc
Ally offers 1.3% on a no penalty CD which is...

Ally offers 1.3% on a no penalty CD which is similar to a MM fund.

Some dividend stocks are relatively safe. High rated utilities, Waste Management, J&J, etc.

I don't like corporate bonds. ...
Forum: COVID-19 | Containment Area 02-28-2020, 07:37 PM
Replies: 1,089
Views: 72,110
Posted By Bdroc
Don't abandon stocks

The PE multiple is still a bit high at 22 but what are the alternatives? 10 year treasuries yield 1.3%. Dividend stocks like utilities yield over 4%.

I'm not saying that the market is a bargain...
Forum: Life after FIRE 02-25-2020, 06:52 PM
Replies: 93
Views: 9,455
Posted By Bdroc
I think you always see a lot of homes for sale in...

I think you always see a lot of homes for sale in many parts of Florida because of the average age of the occupants. A 70 year old couple retires to Florida, one spouse dies, the other moves back...
Forum: Life after FIRE 02-25-2020, 05:46 PM
Replies: 93
Views: 9,455
Posted By Bdroc
Punta Gorda is a smaller town with manageable...

Punta Gorda is a smaller town with manageable traffic. But a large Lenar development is filling up quickly and a large Allegiant resort will be opening in just over a year.
Forum: Health and Early Retirement 09-19-2018, 03:26 PM
Replies: 121
Views: 9,663
Posted By Bdroc
Advantage

Advantage plans include drug coverage, vision, and dental and are often less expensive than medigap plans. Finding a doctor that accepts Advantage shouldn't be a problem in most areas but that might...
Forum: FIRE and Money 10-17-2014, 03:20 PM
Replies: 13
Views: 1,517
Posted By Bdroc
Lower oil prices hurt oil company profits but...

Lower oil prices hurt oil company profits but they help all other companies and individuals. I don't see why lower oil prices would cause a broad market correction.


Sent from my iPad using...
Forum: FIRE and Money 10-17-2014, 03:09 PM
Replies: 13
Views: 1,517
Posted By Bdroc
I don't think the sell off has much to do with...

I don't think the sell off has much to do with Ebola. I think it's due to a weak economy in Europe and the Fed scaling back treasury purchases.


Sent from my iPad using Early Retirement Forum
Forum: FIRE and Money 10-17-2014, 03:05 PM
Replies: 206
Views: 22,989
Posted By Bdroc
Market will bounce back because sellers have no...

Market will bounce back because sellers have no other place to park their money. They won't be happy with nothing in a money market fund or 1.5% in a 2 year A rated bond.

The market is fairly...
Forum: FIRE and Money 10-13-2014, 08:23 PM
Replies: 25
Views: 11,585
Posted By Bdroc
IMO the fed isn't about to raise interest rates...

IMO the fed isn't about to raise interest rates while the stock market is in decline. You probably won't lose money in bonds and stocks at the same time.

Look at recent market action. High yield...
Forum: Health and Early Retirement 02-27-2014, 10:19 PM
Replies: 21
Views: 3,223
Posted By Bdroc
Potentially difference if you stay below 400% of...

Potentially difference if you stay below 400% of poverty level.

Maximum net premium is 9.5% of income if you stay below 400%. Premium for family of 4, adults in their mid 50s might pay 15k...
Forum: Health and Early Retirement 10-21-2013, 09:04 PM
Replies: 19
Views: 1,953
Posted By Bdroc
Anybody signing up without a subsidy?

I understand that some people will save money when subsidies are taken into account. But has anybody found competitive prices without subsidies?
Forum: Travel Information 07-23-2012, 06:50 AM
Replies: 78
Views: 8,130
Posted By Bdroc
I've never actually been in the Cascade Mountains...

I've never actually been in the Cascade Mountains but I flew over them several times during the winter on my way to and from China. The view from the sky is majestic and that's why I included it on...
Forum: Travel Information 07-22-2012, 08:17 PM
Replies: 78
Views: 8,130
Posted By Bdroc
Kokee (sp?) state park in Hawaii Cascade...

Kokee (sp?) state park in Hawaii
Cascade mountains
Sedona
Hong Kong harbor at night
Forum: Other topics 07-13-2012, 08:06 PM
Replies: 425
Views: 36,817
Posted By Bdroc
Temptation Eyes - Grass Roots

Temptation Eyes - Grass Roots
Forum: FIRE and Money 05-06-2012, 09:30 PM
Replies: 40
Views: 7,794
Posted By Bdroc
Good attitude. I never thought I had a big ego,...

Good attitude. I never thought I had a big ego, but I got upset when some of my peers got paid more than me. I felt that my pay was a measure of my relative value and I have to admit that it...
Forum: FIRE Related Public Policy 04-26-2012, 08:12 PM
Replies: 104
Views: 8,796
Posted By Bdroc
They attempted to do it with companies receiving...

They attempted to do it with companies receiving bailouts. That's why they have a pay czar Feinberg.
Forum: FIRE and Money 04-26-2012, 07:58 PM
Replies: 93
Views: 7,972
Posted By Bdroc
Several articles but here's an excerpt: The...

Several articles but here's an excerpt:

The New York Post reported Sunday that as unemployment checks run out, many jobless are trying to gain government benefits by declaring themselves...
Forum: FIRE and Money 04-26-2012, 06:47 AM
Replies: 93
Views: 7,972
Posted By Bdroc
I read that SS disability has doubled in recent...

I read that SS disability has doubled in recent years and that many new claims occur after unemployment benefits run out. I also read that more than 40% of new claims are for mental stress. Smells...
Forum: FIRE and Money 04-25-2012, 10:02 AM
Replies: 5
Views: 1,754
Posted By Bdroc
Thoughts on bonds of banks like Morgan Stanley & Goldman?

Nowhere to go for safe income these days. Forget about CDs, treasuries, or AAA rated corporate bonds. But bonds issued by these A rated banks yield up to 4% for 3-5 years. Thoughts?
Forum: FIRE and Money 04-18-2012, 05:55 PM
Replies: 69
Views: 9,092
Posted By Bdroc
Umbrella is too expensive for me, probably...

Umbrella is too expensive for me, probably because I have an 18 year old son that drives. Believe it or not I have $2 million liability on my auto policy and $1 million on my homeowners and it's not...
Showing results 1 to 25 of 34

 
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